Chase has a number of credit cards that earn points in the Ultimate Rewards program. While each of those cards shares the “Ultimate Rewards” name, the points may have a different value depending on which card you redeem them from. The good news is that you can combine them all onto the card with the highest redemption value. The bad news is: It doesn’t always work.
The Chase credit cards that earn UR points are: Freedom, Freedom Unlimited, Sapphire, Sapphire Preferred, Sapphire Reserve, and business cards such as Ink Cash, Ink Plus, Ink Preferred. In an earlier article, I showed you how and why you would want to combine your points onto one card. Chase permits card holders who live in the same household to combine UR points onto one of their cards. This is where many readers run into issues.
Unfortunately, Chase’s website doesn’t give you much explanation when combining points goes wrong. All you get is “an unexpected error has occurred” or “that card is not eligible to receive points at this time.” Trying again will repeatedly lead to the same results. I have a solution that works almost all the time. I’ll review the points combining process first. If you prefer, you can skip to the end for the solution.
Combining Points – A Short Review
First, log in to your Chase account. If you have multiple accounts, log in to the one that has UR points you want to transfer FROM. Click the banner that shows your points to go to the Ultimate Rewards website.
Once on the Ultimate Rewards site, click on your points at the top of the screen and you’ll see a menu appear.
Choose the “Combine Points” option. You can then follow the instructions to move some or all of your points onto your premium Chase card, or that of a member of your household.
If you’ve never combined points onto a household member’s card before, the right side of the screen should show this:
Click on that choice to bring up this screen:
Be sure to get your household member’s account number and last name exactly correct. Mistakes here can also lead to the “unexpected error”. If all has gone well, simply enter the number of points you wish to move and the transfer is instantaneous.
The Unexpected Error
Chase used to present you with a completely non-descript error message:
Now you get a slightly more helpful message:
In order to understand the solution, it’s best to understand the problem. Based on my research, Chase’s systems get a little temperamental when you try to combine points from more than one card onto a single card.
Consider this example: my wife has a Freedom and an Ink Cash. I have an Ink Preferred, a Freedom Unlimited and a Sapphire Reserve. We have 4 different logins for these 5 cards (business and personal cards are separate). I want all points on my Sapphire Reserve. Effectively, I’m trying to combine my points in this manner:
That’s 4 cards combining points onto just that one Sapphire Reserve. One will probably work. The rest will result in the unexpected error. So what to do?
The solution is to move points in a straight line from one card to the next, with the final card being the destination card–the Sapphire Reserve in my example.
This first step is paramount: we need a clean slate. Log in to each account and for each card, go to combine points and select the “Remove Saved Card” option.
The second step is also paramount: Wait at least 24 hours. Give Chase’s systems some time to update. Whatever they do, they tend to do overnight. Your patience will be rewarded. While you wait, you can design your own personal Chase Ultimate Rewards Points Transfer Chain. Here’s mine:
When you move points in a straight line, no one card sends or receives UR points from more than one other card. Once it’s set up, it’s easy. Just remember the order and this should resolve the error. If you get a new card like Sapphire Preferred, insert that card at the beginning of your chain.
If necessary, you can move points from the last card to the first card and then you’ll have a loop. You can always go back to step one and start over if you run into any problems. Don’t forget to wait the 24 hours.
Have you had this problem? Did this solution work for you? Leave a comment with your results.
HT: to Reddit Churning users bloc0102 and socco for the screen captures of the error messages.